Most useful information for working

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  1. Top payments
  2. Income Bank

What an Income Bank is

Your Income Bank allows you to earn credits where your income is less than $539 a fortnight.

  1. Work
  2. Working

How your variable income may impact your Centrelink payment

If your work hours or income change, we can support you. You may be self-employed, working casual hours, doing contract or seasonal work, or sick or injured.

  1. Income Bank
  2. How to manage your credits

Check your Income Bank balance

You can check your Income Bank balance online.

  1. Top payments
  2. Income Bank

How to manage Income Bank credits

There’s a maximum number of credits you can have in your Income Bank.

  1. Income and assets tests
  2. Income

Sole trader or partnership income

Business income is counted in the income test.

Income

Most types of income count in your income test. We use this and your assets test to assess if you can get a payment, and to calculate your rate of payment.

  1. Managing your money
  2. Manage your money

What you need to do at tax time

Find out what you need to know and do at tax time, if you get a payment or service from us.

  1. Working
  2. Most useful information

Work Capacity - Customer information form (AUS142)

Use this form to give us information about your capacity to work if you are claiming for Australian Disability Support Pension.

  1. Help for myGov, online accounts and mobile apps
  2. Express Plus Centrelink mobile app help guides

Express Plus Centrelink mobile app help - Report employment income

Follow this guide to report your employment income using the Express Plus Centrelink mobile app.

Cancelling your payment online

You may be able to cancel your own payment online. This means you don’t need to visit a service centre or call us.

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Page last updated: 17 November 2025.
QC 60158